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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 23% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £11,400 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Building Contractor in Coventry, Building Contractor in ... | 07718 001059 | — |
| decorator | Coventry Decorators – Call us if If you are looking for painters and ... | 07516 790 046 | — |
| photographer | Kamera Studios | 024 7667 3061 | — |
Property Details
- Asking Price
- £169,950
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £530 |
| ICR (actual) | 2.01x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 143% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £169,950 |
| Deposit (25% — 75% LTV) | £42,487 |
| SDLT (additional property, 5% surcharge) | £9,396 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,882 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £169,950 | Loan (75% LTV) | £127,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £584 |
| Rent needed (1.5×) | £876/mo | Estimated rent | £1,065/mo |
| Stress ratio | 1.82× (need ≥ 1.5×) +£189 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £215,000 |
| 75% remortgage | £161,250 |
| Cash left in deal | £20,100 (63% recycled) |
| Est. BTL cashflow | +£20/mo |
| Gross margin | +£45,050 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£16,221 |
| Net profit | +£17,429 (32.3% ROI) |
| SA gross/mo | £2,047 |
| SA net/mo | £1,651 |
| BTL est./mo | £1,065 |
| SA vs BTL uplift | +£982/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £183,018 | +£13,068 | £48,894 | +£6,406 (3.8%) |
| 5 years | £192,283 | +£22,333 | £55,796 | +£13,309 (7.8%) |
| 7 years | £202,017 | +£32,067 | £63,048 | +£20,561 (12.1%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £12,780 | £175,048 | £8,757 | £2,384 | £7,482 | 13.4% |
| Yr 3 | £13,427 | £185,709 | £9,223 | £7,847 | £23,606 | 42.2% |
| Yr 5 | £14,107 | £197,019 | £9,712 | £14,277 | £41,346 | 73.9% |
| Yr 10 | £15,961 | £228,399 | £11,047 | £34,910 | £93,358 | 166.8% |
| Yr 15 | £18,058 | £264,777 | £12,557 | £62,734 | £157,560 | 281.4% |
| Yr 20 | £20,431 | £306,949 | £14,265 | £98,694 | £235,692 | 421.0% |
| Yr 25 | £23,116 | £355,838 | £16,198 | £143,859 | £329,746 | 589.0% |
| Yr 30 | £26,154 | £412,513 | £18,386 | £199,439 | £442,002 | 789.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 6.4% | 3.9% | £-139 | -8.4% |
| Conservative | £990 | 7.0% | 4.6% | £72 | 2.2% |
| Base | £1,065 | 7.5% | 5.2% | £199 | 6.7% |
| Optimistic | £1,150 | 8.1% | 5.7% | £336 | 11.9% |
| Bull | £1,257 | 8.9% | 6.5% | £493 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.52% |
| Net Yield | ●5.15% |
| Net Annual Income | £8,757 |
| Deductions: void 8% (−£1,022) · mgmt 10% (−£1,278) · maint 10% (−£1,278) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£200 |
| Cash-on-Cash Return | ●4.26% |
| 5-Year IRR | ●6.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,396 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,396 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,219 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,019 |
| Less: Purchase Price | −£169,950 |
| Less: Buying Costs (SDLT + legal) | −£11,996 |
| Less: Selling Costs (est. 2.5%) | −£4,925 |
| = CGT Net Gain (5yr) | £10,148 |
| CGT at 24% | £1,715 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 6.4% | 3.9% | £-139 | -8.4% |
| Conservative | £990 | 7.0% | 4.6% | £72 | 2.2% |
| Base | £1,065 | 7.5% | 5.2% | £199 | 6.7% |
| Optimistic | £1,150 | 8.1% | 5.7% | £336 | 11.9% |
| Bull | £1,257 | 8.9% | 6.5% | £493 | 18.4% |
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